Banking options on Arizona sites are pretty diverse. And they have to be if they want to appeal to online betting fans. In this guide to the best deposit and withdrawal options, we’re showing you what you can expect by banking at AZ sites and how each option stacks up.

Guide AZ banking options

For a lot of AZ sports betting fans, online banking is the sticking point. How do I withdraw my winnings if I can’t go to a cage? Is it safe to use my credit card for online sports gambling sites in Arizona? What are the most reliable AZ banking options for online gambling?

We’re answering all those questions here. When it comes to digital banking , we’ve got the lowdown on all the deposit and withdrawal methods for online sports betting action.

AZ gambling banking list

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Deposit options at Arizona sites


Once you’ve registered with a solid online sports betting site in AZ, you’re ready to place that first wager. Almost.

First, you need to deposit money into your gambling Arizona platforms account. Some AZ betting sites will even give you a deposit bonus or deposit match as an added perk. But how do you make a deposit online?

Fortunately, AZ sites make it easy. The list of digital deposit options is extensive—way more so than the withdrawal options. That list is likely to include some—if not all—of the below banking methods:

Maybe you already have an ideal deposit option in mind for your online betting account. It’ll still pay (literally) to read through the choices below. We’ll even show you which methods are king—and why the pros use them.

Credit and debit cards

No article about online banking options would be complete without the mention of credit and debit cards. As the world’s most widespread payment option, this one is readily available for members wanting to bulk up their online  account.

Licensed (meaning: legal) they use secure encryption to process your payments, so your card information stays safe online—whichever card provider you use. As a result, paying by any major credit or debit card is fast, secure, and—if you’ve ever shopped online—probably really familiar.

From there, you’ve got several options when it comes to credit and debit card payments, and all of them have their merits:

  • Visa: You’ve got the option of a credit or debit card (pay with your own funds, or draw on credit) and the added safety of a prepaid card that you can use at any gambling site in AZ where Visa is accepted.
  • MasterCard: Mastercard’s credit, debit, and prepaid cards are all widely accepted at AZ sports sites.
  • AMEX: American Express isn’t as restrictive as you might think. Sure, they’ve got a high-roller range of credit cards, but they’ve also got a prepaid debit card and a gift card.
  • Discover: Discover offers prepaid and gift cards. Be sure to check that your online operator of choice accepts Discover cards in AZ, as it gets left off several major lists.

Pro tip: While we’re talking about prepaid cards, Paysafecard for gambling in AZ is a prepaid online payment method accepted at some AZ providers. Paysafecard allows you to use generated PIN codes to pay for goods and services online.

Using ACH (eCheck) in AZ

ACHs—often called instant checks or eChecks—are a solid option for online users. They are fast, simple, and instant—and they’re one of the few banking options Arizona gambling sites offer for withdrawal and deposit.

An ACH transfer in AZ allows you to use a sports gambling site’s VIP Preferred 3D payment gateway to access your checking account and transfer funds.

Before you start, you’ll usually need to do two things:

  • Make sure you’ve got a checking account with online access
  • Provide—via the VIP Preferred gateway—your bank name, routing number, account number, and account city

Once you’re set-up, you’ll never be more than a few clicks from a deposit or withdrawal.

PayPal AZ

While most e-wallet options get lumped together, PayPal banking in AZ stands out. It is well established worldwide, and it lets you make instant deposits to almost every Arizona online website.

You’ll need to set up your PayPal account first if you don’t already have one. After that, you’ll fund your PayPal—either by bank transfer or credit/debit card. From there, PayPal deposits are reliable and fast.

PayPal can get a bit restrictive, though. For starters, you can’t use a business or premier account to deposit funds to an online site. You also can’t use a PayPal account linked to a different email address than the one you registered with.

Finally—and probably most importantly—you can’t withdraw your winnings to a PayPal account unless you’ve already made deposits from it.

Arizona deposits using other e-wallets

There are countless e-wallets available for Arizona sports bettors now, aside from PayPal:

  • Skrill
  • Neteller
  • Play+
  • Cash App
  • Google Wallet / Google Pay
  • Android Pay
  • Apple Pay
  • Venmo

These digital accounts store your bank account and credit card details securely (exactly like PayPal), and you connect your account to your e-wallet to top up your AZ betting account.

Skrill is a high-performer on the online scene, so if you are shopping around for an e-wallet right now, this is the one that is most widely accepted at online sportsbooks—after PayPal. Play+ is also pretty consistent on the online scene.

An added bonus for Skrill: It lets you create a prepaid MasterCard to use anywhere e-wallets are not accepted. It’s also handy for getting your winnings out at an ATM.

PayNearMe for Arizona deposits

If you don’t trust digital banking options, fear not—you can still cash in on Arizona sports betting sites.

PayNearMe is a cash service—as in, you take your cash and PayNearMe app to a local participating retailer and make your deposit in person. Once you’ve made your deposit, you get issued a code to key in on your gaming account. Hey, presto—you’ve got funds.

If you’ve got any of these retail stores in your neighborhood, PayNearMe in AZ might be a pretty convenient solution:

  • 7-Eleven
  • CVS
  • Family Dollar
  • ACE Cash Express
  • Casey’s

Best deposit option for Arizona:

The winner has got to be eChecks.

For pure ease of use, convenience, the fact that it typically doesn’t cost you a cent to use this deposit method, and being so widely accepted at Arizona sites—ACH is the winner.

Withdrawal options at Arizona sites


Unsurprisingly, it’s easy to put money into your online account. However, when it comes time to take it out, things get a little more tricky.

Because licensed Arizona sports betting sites are heavily regulated by the ADG, you can count on getting your payout as soon as possible—but the wait might still be longer than you’d like.

Your most popular options for cashing out at AZ sites are:

  • ACH (eCheck)—another reason this was our preferred deposit choice. Accessible, easy, and you could have your funds in your account within 48 hours.
  • PayPal—Just as easy and accessible as ACH, and with a similar wait-time after your request has been processed.
  • Skrill—Similar to PayPal, but with the added bonus of being able to use the MasterCard prepaid card option to withdraw your winnings at an ATM.
  • Cashier’s cage at a retail store—every AZ site has a real brick and mortar store somewhere. If that somewhere is near you, you can always request a cash withdrawal in person.

Best withdrawal option for Arizona:

It’s a tie! We’re giving the top spot for fast payout options in AZ to both ACH and Skrill. ACH because it serves as a total one-stop shop for fast, easy funds handling whether you’re making a deposit or withdrawal.

If eCheck is not an option for you, we’re huge fans of Skrill as the withdrawal option of choice. Not only is processing your withdrawals as easy as it is with PayPal and just as secure, but Skrill also allows you to get access to your winnings as cash—fast.

Banking options for online betting


In this section, we’re going to explore our top 4  sites picks based on how easy they make withdrawals and deposits. We’ll also take a glance at their fee structure and processing times.

FanDuel banking options AZ

  • Deposit options with FanDuel Arizona: All major credit/debit and prepaid cards, ACH, PayPal, PayNearMe, bank transfer, and check.
  • Withdrawal options with FanDuel Arizona: ACH, PayPal, check retail cage.
  • Fees: Zero fees
  • Processing times: Deposits are instant (except PayNearMe, which can take up to 15 minutes). Withdrawals take 1-2 days for ACH and PayPal, up to 3 weeks for a check.

DraftKings banking in AZ

  • Deposit options with DraftKings Arizona: All major credit/debit and prepaid cards, ACH, Online Bill Pay, Skrill, PayPal, PayNearMe, bank transfer, and check.
  • Withdrawal options with DraftKings Arizona: ACH, PayPal, Skrill, retail cage, check.
  • Fees: Zero fees
  • Processing times: Instant deposits. Withdrawals take up to 3 days on all methods except check (up to 3 weeks) and retail cage (instant).

PointsBet banking options Arizona

  • Deposit options with PointsBet Arizona: All major credit / debit / prepaid cards, PointsBet MasterCard, ACH, Skrill, Play+, PayPal, PayNearMe, bank transfer, and check.
  • Withdrawal options with PointsBet Arizona: ACH, PayPal, check retail cage.
  • Fees: Zero fees
  • Processing times: Instant deposits. Withdrawals take up to 3 days on all methods except check (up to 3 weeks) and retail cage (instant).

BetMGM banking method

  • Deposit options with BetMGM Arizona: All major credit / debit / prepaid cards, ACH, Skrill, Play+, PayPal, PayNearMe, bank transfer, and check.
  • Withdrawal options with BetMGM Arizona: ACH, PayPal, check retail cage.
  • Fees: Zero fees
  • Processing times: Instant deposits. Withdrawals take up to 3 days on all methods except check (up to 3 weeks) and retail cage (instant).

What AZ law says about banking options

Essentially, R19-4-131 states that all payments made “for event wagering activity” should be made by “cash, cash equivalent, electronic funds transfer, debit card, check, winnings, or bonus credit.”

Lawmakers had to give written approval for eWallets.

Final words

Arizona sites offer a plethora of quality deposit options. Even payouts are fast, thanks to minimal request processing and digital payments.

Whatever your preferred payment method—from your credit card to your eWallet to your local 7-Eleven—we think you’ll be surprised at the degree of freedom you’ve got in banking options.

FAQs about banking options at AZ sites

Can I bet with a debit card in Arizona?

Yes, you can. All licensed sports gambling sites in AZ accept major debit cards. Debit card payments are usually instant and zero-fee, too.

Can I top up my online account with a credit card in Arizona?

Just like debit cards, all major credit cards are accepted at licensed Arizona sportsbooks. Also, like debit cards, deposits and withdrawals are usually fee-free.

Can I deposit funds to my account from out of state?

Yes, you can. Your Arizona gambling site won’t accept any wagers you place when you’re outside state borders, but you can still sign up, fund your account, and browse.

What is the safest banking option for betting on sports in AZ?

ACH and PayPal are considered some of the safest payment methods online. However, whatever payment method you use, it’s also important to keep your personal information safe.

How do I bet on sports in Arizona?

You need to be at least 21 years old and hold a state-issued ID, Be physically located in Arizona when you register and place any wagers. Lastly, you need to register with an Arizona online gambling site and deposit some cash into your betting account with that sportsbook.